IT contractor insurance

Secure IT contractor professional indemnity insurance quickly and without fuss. We're simply-priced, flexible and upfront.

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IT contractor professional indemnity insurance UK
IT contractor professional indemnity insurance UK
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The problem

IT contractors face many risks

Contract non-compliance

Most contracts you will engage with as an IT contractor will stipulate you must have and show proof of professional indemnity insurance.

Damage to your work equipment

You are likely to use a laptop or computer for your work, if that gets stolen or damaged could you afford the repair or replacement costs?

IR35 enquiries and unpaid invoices

Depending if you use an umbrella company or contract directly you may be exposed to IR35 enquiries from HMRC. Regardless of how you're engaged you still could be subject to late or non-payment of invoices.

Accusation of causing a financial loss

An unhappy client may allege your work ended up costing them money which they now want to recover from you.

IT contractor insurance UK

You need IT contractor insurance that provides contract compliance, offers run off cover and has competent legal defence in the event of a claim

the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

IT contractor professional indemnity insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

Covers to consider

How much does IT contractor insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers IT contractors should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed professional indemnity insurance

Professional indemnity

from £8.63 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£9.24 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

In detail

IT contractor professional indemnity insurance

PI insurance for IT contractors isn't just about satisfying a contract condition. It is in fact a useful legal cover in case something does go wrong with your work. In the field of technology you face many risks on a daily basis.

Your mistake can lead to a data leak, system failure, the wrong choice of software, project delays and more. If your error costs your client money, they will want to recover their financial loss from you. That's why they told you to get a PI cover in the first place.

Hopefully you're not one of those contractors who straight after finishing a contract cancelled their PI insurance. Because if you are, the problem lands firmly on your shoulders and the associated cost of a solicitor to rebuff your client's accusations can easily run into thousands of pounds. On the other hand if you still have a PI cover in place, hopefully you'll have access to early qualified legal help that will guide you through the situation.

How does professional indemnity insurance for IT contractors work?

The benefits of a good PI cover should be several fold. While the promise of legal costs reimbursement and compensation payout is comforting, it’s not quite enough when you face an angry demand from an existing or former client. These are stressful situations you don’t need or want in your life.

This is why Suited PI insurance for IT contractors doesn't just cover the financial risks associated with a possible claim against you.

In addition it does provide immediate assistance from a specialised law firm that has a relevant and long standing experience in handling professional indemnity claims.

They will take your case on from the outset and handle the situation for you. They'll liaise with your insurer when needed to resolve the dispute as soon as possible and ideally out of court.

No active PI cover = no protection against claims

Over the years plenty of IT contractors got caught out by not having PI cover for their past work. Technology mistakes don't always demonstrate themselves straight away and it could be months before serious errors are discovered.

Don't be one of those contractors who, for the sake of saving a few pounds, risk losing their hard earned money. Even if you've finished your contract and aren't currently contracting, keep your IT contractor insurance in place.

Don't cancel your IT contractor insurance

If you choose Suited, you'll have the option to 'hibernate' your PI cover. Meaning you'll pay a much reduced monthly price while staying covered for the work you've done in the past.

How long you keep your PI cover in a hibernate mode will depend on your circumstances, contract terms, and the nature of your past projects.

With Suited you can hibernate your PI cover for as long as you need, you can cancel it when it's right or you can turn it back up to full if you're contracting again.

How much PI insurance do IT contractors need?

The minimum PI limit requirement is often dictated by your work contract. If you haven't received it yet, ask your client or the agency for the details so that you have enough time to explore your options. You should know how much of PI cover is required, whether the limit needs to be "any one loss" and how long you'll need to keep the cover in place after you finish the contract.

  • PI limit - in the IT world contracts usually require a specific amount starting from £1,000,000 going all the way up to £10,000,000. The higher the limit, the higher the insurance cost. You should always consider whether the required PI limit is an appropriate amount for the work you will be delivering. You'd be surprised how often you can renegotiate this element of your contract.

    If you contract doesn't state that you need professional indemnity insurance but you're keen to protect yourself, consider your level of input and responsibility for the project/programme. The other thing to look for is any mention of liability in your contract. Usually there is a clause to that extent and it should help you decide how much of PI insurance you need.
  • Any one loss vs in the aggregate - IT contracts rarely stipulate whether the PI limit can or cannot be 'in the aggregate'. In the aggregate limit is a cover restriction which means that irrespective of the number claims you make during the period of insurance, you are only covered up to the policy limit across all claims. For example if you've bought a £1,000,000 PI policy and your first claim was £800,000, you only have £200,000 of PI cover remaining until your insurance renewal. Some IT contracts may require that your PI insurance is on an "any one loss" basis which means PI cover up to the full policy limit per every claim.
  • Number of years - some IT contracts demand that you stay insured for up 6 years after you finished your contract. Again this can be negotiated down. However, if it's set in stone, choose your PI insurance provider carefully. You want to have the flexibility of being able to switch to past work only cover (run off cover) easily.
In this section

Common questions

Can I get my past work covered by Suited IT contractor insurance?

Yes, Suited offers a retroactive cover option. When buying your PI insurance, select the date from which you'd like to be covered and it will show on your policy schedule as the "retroactive date".

Will the work of my subcontractors be covered by Suited IT contractor professional indemnity insurance?

Yes, any work by subcontractors of your business is covered, however, do not waive your rights to hold them liable and you should insist that they have PI insurance.

Do IT contractors need public liability insurance?

That depends whether you come into a regular face to face contact with your clients, handle their property (computer hardware, etc) or deliver your services outside your usual place of work, for example at your client's premises. If any of the above applies to your business then you may wish to consider public liability insurance to additionally protect your business against any mishaps such as causing an injury or property damage.

How is the cost of IT contractor professional indemnity insurance calculated?

At Suited we only take into account your annual turnover, that's it. We do not charge per person.

Contact us
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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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